The Queensland Country Credit Union Visa credit card offers a moderate interest rate on purchases, with a moderate number of interest-free days for a moderately low annual fee.
As a cardholder, you could take part in the Great Rewarder program. For an annual fee to join, you could earn points on eligible transactions that are paid back to you as cash.
The Queensland Country Credit Union Visa comes in a variety of designs. The design can be different for each cardholder on the account.
Additional cardholders can be included at no extra cost.
You could transfer an existing credit card balance across to this Visa card. The moderate interest rate that applies to balance transfers is the same for cash advances.
This credit card enjoys the fraud and security protections of Visa’s Zero Liability Policy and
Verified by Visa. Contactless transactions less than $100 are supported by Visa payWave.
- Additional cardholder free
- Choice of card design
- Optional rewards program
- Fee for rewards program
- Overlimit fee
- No 0% balance transfers
Who is it good for?
If you’re an existing member of the Queensland Country Credit Union, you might find it convenient to link this Visa to an existing account.
As a non-member, you might find the one moderate interest rate for all transactions appealing.
The Great Rewarder program lets you earn points on eligible transactions. These points are converted to cash available for use within Australia.
You could use your points to pay for, or use them as part payment for, goods or services anywhere that accepts EFTPOS.
It’s not a program such as flybuys or Qantas Points, where points can be transferred or redeemed via an online catalogue.
Other benefits of this credit card include exclusive offers and pre-sale tickets through Visa Entertainment.
The Queensland Country Credit Union Visa card doesn’t offer 0 per cent balance transfers, which is something to consider if you want to transfer an existing credit card balance across.
What RateCity says
The Queensland Country Credit Union Visa credit card is a good allrounder. It offers cardholders one moderate interest rate on transactions, for a moderately low annual fee.
It provides an optional rewards program for an additional moderately low fee. Points earned via this program can be redeemed as cash loaded onto an EFTPOS card for spending. The points are capped per month.
The Visa card comes in a range of designs for those wanting something a little bit different. And additional cardholders can be included on the account at no extra cost.
There’s no concierge service or complimentary insurances that some Visa cards offer. So this credit card might be useful just for day-to-day payments and purchases.
Being a Visa card, it comes with all the protections and security features associated with the Visa brand, such as Visa Zero Liability, Visa Checkout and Verified by Visa.
To be eligible for the Queensland Country Credit Union Visa credit card, you must be at least 18 years of age. You must also be an Australian citizen or permanent resident of Australia and in paid employment. Applicants who have been bankrupt are ineligible. You can apply online, over the phone or in a branch. To complete the application, you'll need details of your income, assets and liabilities. Acceptable forms of identification include a driver's licence, passport or Medicare card.
About Queensland Country Credit Union
Queensland Country Credit Union is an independent, customer-owned organisation. It was founded in 1971 as the Isa Mine Employees' Credit Union Limited. In 2017, Queensland Country Credit Union merged with ECU. The expanded credit union now has 29 branches across Queensland. Its head office is located in Townsville, Queensland. The Queensland Country Credit Union also owns the Queensland Country Health Fund. Its products include credit cards, home loans, bank accounts, savings accounts, personal loans, car loans and insurance.